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5 Steps You Need to Consider Before Investing in a Property

Interested in property investment? There are five things you need to plan well before doing so.

1) Set your specific and quantifiable investment goals – for example, some of your goals would be to generate a steady cash inflow of $1,000 per month and/or derive an expected capital appreciation of 20% after a one-year time frame.

2) Once you have set your goals, it is important then to ascertain which type of properties you would like to purchase to achieve those goals, some of the choices would be fully detached houses; semi-detached houses; units in high-raised apartments; houses, and/or commercial property.

3) Research the areas in which you would like to purchase the property, consider factors such as ease of transport to work; safety; friendliness and safety of the neighborhood; accessibility to any good primary or high schools; potential future infrastructure growth; historical growth pattern; and demographical data.

4) If you are going to purchase an investment property, it is important to talk to your accountant and/or tax agent to determine the best loan structure to maximize the deductibility of the interest expense, hence giving you the maximum return on the negative gearing.

5) Talk to a professional licensed mortgage broker, and choose a home loan product that will benefit you. Sometimes, the interest rate is not the sole decisive factor, but other variables should also be considered, which include the transportability of the loan; ongoing monthly fee; exit fee, and ability of the chosen financial institution to pass any future interest rate cut from RBA.

We would welcome anyone who wants to purchase a property, especially a property investment, to talk to John Cheng FCPA from EndureGo, not only he is an ASIC licensed mortgage broker, and a full member of MFAA, but he is also an FCPA and an registered tax agent and would be able to help you to make that right decision at the time of purchasing a property.

Act now, and give us a call at 08-8123-6788, or 0403-418-758, or send us an email at Please also feel free to visit our website at, and Facebook at